{"id":5,"date":"2026-04-22T15:14:29","date_gmt":"2026-04-22T15:14:29","guid":{"rendered":"https:\/\/myoeme.io\/rafteryconstructionco-es\/?page_id=5"},"modified":"2026-04-30T11:02:00","modified_gmt":"2026-04-30T11:02:00","slug":"tax-free-spending-accounts","status":"publish","type":"page","link":"https:\/\/myoeme.io\/rafteryconstructionco-es\/benefits\/tax-free-spending-accounts\/","title":{"rendered":"Cuentas de gastos libres de impuestos"},"content":{"rendered":"\n<div class=\"wp-block-cover alignfull disable-element-on-mobile has-aspect-ratio wp-duotone-unset-1\" style=\"padding-top:36vh;padding-bottom:40px;aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-670 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/spanish-en\/wp-content\/uploads\/sites\/185\/2026\/01\/Untitled-design-49-2.png\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-10 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-64f91264 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\">Aprovecha los beneficios. Olv\u00eddate de los impuestos.<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:28%\"><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-cover alignfull hide-on-large-devices has-aspect-ratio wp-duotone-unset-2\" style=\"padding-top:20vh;padding-bottom:var(--wp--preset--spacing--20);aspect-ratio:auto;min-height:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background wp-image-669 size-full\" alt=\"\" src=\"https:\/\/myoeme.io\/spanish-en\/wp-content\/uploads\/sites\/185\/2026\/01\/AdobeStock_1338597511-1.jpeg\" data-object-fit=\"cover\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-20 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-a0d5411a wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:72%\">\n<h2 class=\"wp-block-heading\" style=\"padding-bottom:10px;font-size:clamp(25.014px, 1.563rem + ((1vw - 3.2px) * 1.327), 42px);font-style:normal;font-weight:700\">Aprovecha los beneficios. Olv\u00eddate de los impuestos.<\/h2>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-81056d93 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-ebd3efb7 wp-block-columns-is-layout-flex\" style=\"padding-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column disable-element-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<div class=\"wp-block-group oeme-sidebar-menu-items has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<h4 class=\"wp-block-heading has-large-font-size\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-style:normal;font-weight:700\">Account Options<\/h4>\n\n\n\n<ul style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;padding-bottom:var(--wp--preset--spacing--40);padding-left:0;font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.156), 16px);\" class=\"wp-block-list is-style-default oeme-horizontal-menu\">\n<li class=\"oeme-link-hra \"><a href=\"#section-hra\" class=\"is-active\">Arreglo de Reembolso de Salud (HRA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-hsa oeme-hide-hsa\"><a href=\"#section-hsa\">Cuenta de Ahorros para la Salud (HSA) \u2013 Patrocinada por el empleador<\/a><\/li>\n\n\n\n<li class=\"oeme-link-hsa-employee oeme-hide-hsa-employee-funded\"><a href=\"#section-hsa-employee-funded\">Cuenta de Ahorros para la Salud (HSA) \u2013 Financiada por el empleado<\/a><\/li>\n\n\n\n<li class=\"oeme-link-fsa \"><a href=\"#section-fsa\">Cuenta de Gastos Flexibles (FSA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-lpfsa oeme-hide-lpfsa\"><a href=\"#section-lpfsa\" data-type=\"internal\" data-id=\"#section-dca\">Limited Purpose Flexible Spending Account (LPFSA)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-dca oeme-hide-dca\"><a href=\"#section-dca\" data-type=\"internal\" data-id=\"#section-dca\">Cuenta para el Cuidado de Dependientes (FSA para el Cuidado de Dependientes)<\/a><\/li>\n\n\n\n<li class=\"oeme-link-parking oeme-hide-parking\"><a href=\"#section-parking\">Estacionamiento y Transporte (Beneficios para el Transporte al Trabajo)<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column disable-element-on-mobile is-layout-flow wp-block-column-is-layout-flow\" style=\"border-left-color:var(--wp--preset--color--base);border-left-width:1px;padding-right:var(--wp--preset--spacing--40);flex-basis:1px\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"border-top-style:none;border-top-width:0px;border-right-style:none;border-right-width:0px;border-bottom-color:#cccccc;border-bottom-style:none;border-bottom-width:0px;border-left-style:none;border-left-width:0px;padding-top:var(--wp--preset--spacing--30);flex-basis:70%\">\n<div id=\"section-hra\" class=\"wp-block-group oeme-tax-free-account-section is-open has-global-padding is-layout-constrained wp-container-core-group-is-layout-10557fc6 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-eeed9b831c9c426094e60cd11f498b39 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Arreglo de Reembolso de Salud (HRA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Apoyo financiado por el empleador para tus gastos de atenci\u00f3n m\u00e9dica.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1185564821?h=b79d506008&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Employee Navigator_20260113_100052_Final_English_Video_2025\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un Arreglo de Reembolso de Salud (HRA) es un beneficio financiado por el empleador que te reembolsa los gastos m\u00e9dicos elegibles. Un HRA es la promesa de tu empleador de pagar. En el video de arriba, aprender\u00e1s sobre tus gastos elegibles, tu asignaci\u00f3n anual y qui\u00e9n ayuda a administrar tus fondos del HRA.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-266c60d3ee13b8974c72898a3aaa5e9d wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">REGLAS CLAVE (2026):<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li><strong>Qui\u00e9nes pueden inscribirse:<\/strong> Empleados elegibles e inscritos en el plan de salud patrocinado por su empresa.<\/li>\n\n\n\n<li><strong>Qui\u00e9n financia tu HRA:<\/strong> 100% financiado por el empleador.<\/li>\n\n\n\n<li><strong>Contribuci\u00f3n anual del empleador:<\/strong> Establecida por tu empleador (sin l\u00edmite m\u00e1ximo del IRS).<\/li>\n\n\n\n<li><strong>Ventaja fiscal:<\/strong> Los reembolsos o pagos no son gravables cuando se utilizan para gastos m\u00e9dicos elegibles.<\/li>\n\n\n\n<li><strong>Transferencia (Rollover):<\/strong> Las reglas de transferencia est\u00e1n determinadas por el dise\u00f1o del plan de tu empleador.<\/li>\n\n\n\n<li><strong>Per\u00edodo de gracia (Runout):<\/strong> Tu plan puede incluir un per\u00edodo adicional despu\u00e9s de que finalice el a\u00f1o del plan, lo que te brinda tiempo extra para presentar reclamaciones por gastos incurridos durante ese a\u00f1o.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">El costo compartido de la atenci\u00f3n m\u00e9dica \u2014incluso con seguro\u2014 puede resultar oneroso en ocasiones. Contar con un HRA financiado por la empresa ayuda a compensar los gastos de bolsillo a lo largo del a\u00f1o y aporta un valor financiero real y tranquilidad a tu paquete de beneficios.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-hsa\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-hsa-employer-sponsored has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-77cb73d93095536c7f463e14d4212edc wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Cuenta de Ahorros para la Salud (HSA) \u2013 Patrocinada por el empleador<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una forma poderosa de ahorrar para tu atenci\u00f3n m\u00e9dica hoy y en el futuro, con la ayuda de tu empleador.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n[oeme_benefithub_vimeo_embed_hsa]\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una Cuenta de Ahorros para la Salud (HSA) es una cuenta personal de ahorro con ventajas fiscales que se utiliza para pagar gastos m\u00e9dicos elegibles. Est\u00e1 vinculada a un Plan de Salud con Deducible Alto (HDHP). Con un HSA patrocinado por el empleador, tu empresa contribuye a tu cuenta. Los fondos de tu HSA siempre son tuyos y te acompa\u00f1an a lo largo de tu carrera y hasta la jubilaci\u00f3n.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Individual<strong>:<\/strong> <strong>$4,400<\/strong><\/li>\n\n\n\n<li>Familiar: <strong>$8,750<\/strong><\/li>\n\n\n\n<li>Aporte adicional (55 a\u00f1os o m\u00e1s): <strong>$1,000<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-93f21e895cf7be022f3eb5da41b23260 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\"><strong>ALGUNAS REGLAS DE ELEGIBILIDAD:<\/strong><\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Debes estar inscrito en un Plan de Salud con Deducible Alto (HDHP) elegible para HSA.<\/li>\n\n\n\n<li>No puedes estar cubierto por otro plan m\u00e9dico que no sea elegible para HSA, incluidos Medicare, Medicaid o CHIP.<\/li>\n\n\n\n<li>No puedes participar si apareces como dependiente en la declaraci\u00f3n de impuestos de otra persona.<\/li>\n\n\n\n<li>Tu HSA es de tu propiedad individual.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-a7e0012955411847727f767dfe401e3e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">BENEFICIOS FISCALES:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Las contribuciones del empleador no son gravables para ti.<\/li>\n\n\n\n<li>Cualquier contribuci\u00f3n que realices reduce tu ingreso gravable.<\/li>\n\n\n\n<li>Crece libre de impuestos.<\/li>\n\n\n\n<li>Puede invertirse para el crecimiento a largo plazo.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-e87064bacce168bebf6fba9c3b778fbd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CONTRIBUCIONES:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Los fondos est\u00e1n disponibles tan pronto como se depositan<\/li>\n\n\n\n<li>Puedes ajustar el monto de tu contribuci\u00f3n mensualmente para reflejar cambios en tu vida, como necesidades m\u00e9dicas inesperadas, cambios familiares o modificaciones en tus prioridades financieras.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-aa57ee4dae041609dab6382807047dcb wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">COMPRAS:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Paga directamente con tu tarjeta de d\u00e9bito HSA.<\/li>\n\n\n\n<li>O paga de tu bolsillo y presenta una reclamaci\u00f3n para obtener el reembolso.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-4a495f9bb0ea78544d434973720c648f wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FIN DE A\u00d1O Y USO FUTURO:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Los fondos se transfieren autom\u00e1ticamente al final de cada a\u00f1o del plan.<\/li>\n\n\n\n<li>Tu HSA te acompa\u00f1a en cada etapa de la vida.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-29a5295137066ed12c64f17f58b1a755 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">HACER CRECER TU HSA A LARGO PLAZO:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">A medida que tu saldo crece, puedes invertir en cuentas que generan intereses y en fondos de inversi\u00f3n. Los fondos de tu HSA pueden utilizarse de manera estrat\u00e9gica para:<\/p>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Gastos m\u00e9dicos durante la jubilaci\u00f3n.<\/li>\n\n\n\n<li>Primas del seguro de cuidados a largo plazo (LTC).<\/li>\n\n\n\n<li>Necesidades m\u00e9dicas futuras.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Puedes retirar fondos para gastos no elegibles, pero pueden aplicarse impuestos y posibles penalidades. Consulta con tu asesor financiero o fiscal.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Para conocer las pautas completas del IRS sobre tu HSA, incluidos los requisitos de elegibilidad, las contribuciones, las reglas fiscales y la lista completa de gastos elegibles: <a href=\"https:\/\/www.irs.gov\/publications\/p969\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\"><em><strong>Consejo:<\/strong> Usa el men\u00fa de navegaci\u00f3n en el lado izquierdo de la p\u00e1gina para ir directamente a temas espec\u00edficos y categor\u00edas de gastos elegibles.<\/em><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Las contribuciones del empleador aceleran el ahorro, reducen los costos m\u00e9dicos actuales y ayudan a construir una protecci\u00f3n libre de impuestos para el futuro.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-hsa-employee-funded\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-hsa-employee-funded has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-5e63872d15c4abf8b932267f82fd70a1 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Cuenta de Ahorros para la Salud (HSA) \u2013 Financiada por el empleado<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Tu cuenta personal de ahorros para la atenci\u00f3n m\u00e9dica: creada por ti, de tu propiedad y dise\u00f1ada para acompa\u00f1arte en cada etapa de la vida.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_hsa_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_hsa_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un HSA financiado por el empleado te permite aportar d\u00f3lares antes de impuestos desde tu n\u00f3mina a tu propia cuenta personal de ahorros para la atenci\u00f3n m\u00e9dica. La cuenta est\u00e1 vinculada a un Plan de Salud con Deducible Alto (HDHP) y es totalmente de tu propiedad, permaneciendo contigo dondequiera que te lleven la vida y tu carrera.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Individual: <strong>$4,400<\/strong><\/li>\n\n\n\n<li>Familiar: <strong>$8,750<\/strong><\/li>\n\n\n\n<li>Aporte adicional (55 a\u00f1os o m\u00e1s): <strong>$1,000<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-e071b040c2bb1fbbb395785efc7ff9e5 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ALGUNAS REGLAS DE ELEGIBILIDAD:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Debes estar inscrito en un Plan de Salud con Deducible Alto (HDHP) elegible para HSA.<\/li>\n\n\n\n<li>No puedes estar cubierto por otro plan m\u00e9dico que no sea elegible para HSA, incluidos Medicare, Medicaid o CHIP.<\/li>\n\n\n\n<li>No puedes participar si apareces como dependiente en la declaraci\u00f3n de impuestos de otra persona.<\/li>\n\n\n\n<li>Tu HSA es de tu propiedad individual.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-7bcbc8b8d8f7f2766b1c928a79afbac2 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">TAX BENEFITS:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Your contributions reduce your taxable income<\/li>\n\n\n\n<li>Grows tax-free<\/li>\n\n\n\n<li>Can be invested for long-term growth<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-a7e0012955411847727f767dfe401e3e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">BENEFICIOS FISCALES:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Tus contribuciones reducen tu ingreso gravable.<\/li>\n\n\n\n<li>Crece libre de impuestos.<\/li>\n\n\n\n<li>Puede invertirse para el crecimiento a largo plazo.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-a03a945862aacf64756889379662d534 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">CONTRIBUCIONES<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Los fondos est\u00e1n disponibles tan pronto como se depositan.<\/li>\n\n\n\n<li>Puedes ajustar el monto de tu contribuci\u00f3n mensualmente para reflejar cambios en tu vida, como necesidades m\u00e9dicas inesperadas, cambios familiares o modificaciones en tus prioridades financieras.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-4a495f9bb0ea78544d434973720c648f wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">FIN DE A\u00d1O Y USO FUTURO:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Los fondos se transfieren autom\u00e1ticamente.<\/li>\n\n\n\n<li>Tu HSA es tu cuenta personal de ahorros para la atenci\u00f3n m\u00e9dica de por vida.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\"><a href=\"https:\/\/www.irs.gov\/publications\/p969\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Un HSA financiado por el empleado te brinda control total sobre tus ahorros para la atenci\u00f3n m\u00e9dica, mientras construyes una protecci\u00f3n libre de impuestos para el futuro.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-fsa\" class=\"wp-block-group oeme-tax-free-account-section has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-73c7693e2980d35937ee6866b4ed1e92 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Cuenta de Gastos Flexibles (FSA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una forma sencilla de ahorrar en gastos m\u00e9dicos utilizando d\u00f3lares antes de impuestos.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1185564848?h=e384ff8812&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"Employee Navigator_20260113_100052_Final_English_Video_2025\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una Cuenta de Gastos Flexibles (FSA) te permite apartar d\u00f3lares antes de impuestos de tu n\u00f3mina para pagar gastos m\u00e9dicos elegibles durante el a\u00f1o.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>M\u00e1ximo anual: <strong>$3,400<\/strong><\/li>\n\n\n\n<li>Transferencia (Rollover): Hasta <strong>$680<\/strong> (si el plan de tu empleador lo permite).<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-e071b040c2bb1fbbb395785efc7ff9e5 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ALGUNAS REGLAS DE ELEGIBILIDAD:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Debes ser elegible y estar inscrito en la FSA de atenci\u00f3n m\u00e9dica patrocinada por tu empleador.<\/li>\n\n\n\n<li>No necesitas estar inscrito en un Plan de Salud con Deducible Alto (HDHP).<\/li>\n\n\n\n<li>Si te inscribes en una FSA de atenci\u00f3n m\u00e9dica, por lo general no puedes contribuir a una Cuenta de Ahorros para la Salud (HSA).<\/li>\n\n\n\n<li>Tu FSA de atenci\u00f3n m\u00e9dica es patrocinada por tu empleador y no es de tu propiedad individual.<\/li>\n\n\n\n<li>Las elecciones de inscripci\u00f3n generalmente deben realizarse durante el per\u00edodo de inscripci\u00f3n abierta o despu\u00e9s de un evento de vida que califique.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-3c7f088ced9ad8f596a7f5fb1876fcbc wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">A\u00d1O DEL PLAN, TRANSFERENCIA Y PER\u00cdODO DE GRACIA<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>La mayor\u00eda de las FSA siguen una estructura de <strong>\u201c\u00fasalo o pi\u00e9rdelo\u201d<\/strong>, por lo que es buena idea planificar bien tu elecci\u00f3n.<\/li>\n\n\n\n<li>Para brindarte mayor flexibilidad, es posible que puedas transferir una parte de los fondos no utilizados al siguiente a\u00f1o del plan, seg\u00fan el dise\u00f1o del plan.<\/li>\n\n\n\n<li>Tu plan tambi\u00e9n puede incluir un <strong>per\u00edodo de gracia<\/strong>, que te permite disponer de tiempo adicional despu\u00e9s de que finalice el a\u00f1o del plan para presentar reclamaciones por gastos incurridos durante el a\u00f1o anterior.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-default\">\n<li>Para obtener una lista completa de los <strong>gastos m\u00e9dicos, dentales y de visi\u00f3n elegibles<\/strong>, consulta la <strong>Publicaci\u00f3n 502 del IRS<\/strong>: <a href=\"https:\/\/www.irs.gov\/publications\/p502\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p502<\/a><\/li>\n\n\n\n<li>Para m\u00e1s informaci\u00f3n sobre las <strong>FSA, los l\u00edmites de contribuci\u00f3n y las reglas fiscales<\/strong>, consulta la <strong>Publicaci\u00f3n 969 del IRS<\/strong>: <a href=\"https:\/\/www.irs.gov\/publications\/p969\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p969<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una FSA facilita la planificaci\u00f3n de gastos m\u00e9dicos previstos y reduce tu ingreso gravable.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-dca\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-dca has-global-padding is-layout-constrained wp-container-core-group-is-layout-71d9e253 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-bottom:var(--wp--preset--spacing--40);padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-2cc605f7e2cb49c95c741be4811d5acb wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Cuenta para el Cuidado de Dependientes (FSA para el Cuidado de Dependientes)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Cuidar de tus seres queridos tiene un costo: puedes usar d\u00f3lares antes de impuestos para ayudar a aliviar ese gasto.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n[oeme_benefithub_vimeo_embed_dependent_care_account_(dca)_es_standalone]\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una Cuenta para el Cuidado de Dependientes te permite usar d\u00f3lares antes de impuestos de tu n\u00f3mina para ayudar a pagar gastos elegibles de cuidado de dependientes mientras trabajas.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>M\u00e1ximo por hogar: <strong>$7,500<\/strong><\/li>\n\n\n\n<li>Casados que presentan por separado: <strong>$3,750<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-9a6c9981fffa62fe0d438f6a092a23b0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ELIGIBLE DEPENDENTS:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Ni\u00f1os menores de 13 a\u00f1os<\/li>\n\n\n\n<li>Un c\u00f3nyuge o dependiente adulto que no pueda cuidarse por s\u00ed mismo<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Para obtener la gu\u00eda completa del IRS sobre las FSA para el Cuidado de Dependientes, incluidos los gastos elegibles y las reglas fiscales, consulta la Publicaci\u00f3n 503 del IRS:&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p503\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p503<\/a>&nbsp;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una Cuenta para el Cuidado de Dependientes ayuda a las familias trabajadoras a gestionar el costo del cuidado mientras conservan una mayor parte de cada sueldo.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-lpfsa-\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-lpfsa has-global-padding is-layout-constrained wp-container-core-group-is-layout-71d9e253 wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-bottom:var(--wp--preset--spacing--40);padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-77fc1549652b9bfb93674daf9b0d4ff1 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Cuenta de Gastos Flexibles de Prop\u00f3sito Limitado (LPFSA)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una forma inteligente de ahorrar en gastos dentales y de visi\u00f3n elegibles utilizando d\u00f3lares antes de impuestos, mientras sigues siendo compatible con una HSA.<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_lpfsa_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_lpfsa_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Una Cuenta de Gastos Flexibles de Prop\u00f3sito Limitado (LPFSA) te permite apartar d\u00f3lares antes de impuestos de tu n\u00f3mina para pagar gastos dentales y de visi\u00f3n elegibles. Est\u00e1 dise\u00f1ada para funcionar junto con una Cuenta de Ahorros para la Salud (HSA), ayud\u00e1ndote a conservar tus fondos de la HSA para futuras necesidades m\u00e9dicas.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-3e3d3c19914fab917c6a0f00d5ec14e8 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">WHAT EXPENSES ARE ELIGIBLE<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Los fondos de la LPFSA pueden utilizarse para gastos dentales y de visi\u00f3n calificados, incluidos, entre otros:<\/p>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Ex\u00e1menes dentales, limpiezas, empastes y ortodoncia<\/li>\n\n\n\n<li>Ex\u00e1menes de la vista, gafas, lentes de contacto y cirug\u00eda LASIK<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>M\u00e1ximo anual de contribuci\u00f3n: <strong>$3,400<\/strong><\/li>\n\n\n\n<li>Transferencia (si lo permite el empleador): <strong>Hasta $680<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-086f364ece8e9c50d9fcb3850fd88258 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">PLAN YEAR, ROLLOVER &amp; RUN-OUT<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>La mayor\u00eda de las FSA siguen una estructura de \u201c\u00fasalo o pi\u00e9rdelo\u201d, as\u00ed que planifica cuidadosamente tu elecci\u00f3n.<\/li>\n\n\n\n<li>Seg\u00fan el dise\u00f1o del plan de tu empleador, puedes transferir una parte de los fondos no utilizados al siguiente a\u00f1o del plan.<\/li>\n\n\n\n<li>Tu plan puede incluir un per\u00edodo de gracia, que te brinda tiempo adicional despu\u00e9s de que finalice el a\u00f1o del plan para presentar reclamaciones por gastos incurridos durante ese a\u00f1o.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-e071b040c2bb1fbbb395785efc7ff9e5 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">ALGUNAS REGLAS DE ELEGIBILIDAD:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Debes estar inscrito en la LPFSA de tu empleador.<\/li>\n\n\n\n<li>No necesitas estar inscrito en un Plan de Salud con Deducible Alto (HDHP).<\/li>\n\n\n\n<li>Por lo general, no puedes contribuir a una HSA si tambi\u00e9n tienes una FSA de salud de prop\u00f3sito general.<\/li>\n\n\n\n<li>Si tu empleador ofrece un Arreglo de Reembolso de Salud (HRA) para gastos m\u00e9dicos generales, consulta con Recursos Humanos, ya que esto puede afectar la elegibilidad.<\/li>\n\n\n\n<li>Las elecciones de la LPFSA se realizan durante la inscripci\u00f3n abierta o despu\u00e9s de un evento de vida que califique.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-d4be4763bee5f340612aec56c5d8eb2c wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">HOW IT WORKS<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Las contribuciones se deducen de tu n\u00f3mina antes de impuestos, reduciendo tu ingreso gravable.<\/li>\n\n\n\n<li>Los fondos est\u00e1n disponibles para su uso durante todo el a\u00f1o del plan.<\/li>\n\n\n\n<li>Puedes pagar directamente con tu tarjeta de d\u00e9bito LPFSA o pagar de tu bolsillo y presentar una reclamaci\u00f3n para obtener el reembolso.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-85b888a0b8259a325b6f42ba6b50ba7b wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">TAX ADVANTAGE<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Las contribuciones est\u00e1n libres de impuestos.<\/li>\n\n\n\n<li>Los gastos dentales y de visi\u00f3n elegibles se pagan sin impuestos.<\/li>\n\n\n\n<li>Te ayuda a ahorrar dinero en costos m\u00e9dicos previsibles mientras mantienes intactos tus fondos de la HSA.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-ad7a0585f15f026bcebce50a21ac5ae8 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">WHY CHOOSE AN LPFSA<\/h3>\n\n\n\n<p style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\">Una FSA de Prop\u00f3sito Limitado facilita la planificaci\u00f3n de los gastos dentales y de visi\u00f3n, mientras mantiene tu HSA disponible para el ahorro m\u00e9dico a largo plazo.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Para obtener una lista completa de los gastos dentales y de visi\u00f3n elegibles, consulta la Publicaci\u00f3n 502 del IRS:&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p502\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p502<\/a><\/li>\n\n\n\n<li>Para obtener informaci\u00f3n general sobre las FSA, los l\u00edmites de contribuci\u00f3n y las reglas fiscales, consulta la Publicaci\u00f3n 969 del IRS:&nbsp;<a href=\"https:\/\/www.irs.gov\/publications\/p969\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p969<\/a>&nbsp;<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"section-parking\" class=\"wp-block-group oeme-tax-free-account-section oeme-hide-parking has-global-padding is-layout-constrained wp-container-core-group-is-layout-345faa6b wp-block-group-is-layout-constrained\" style=\"border-bottom-style:none;border-bottom-width:0px;padding-top:0;padding-bottom:var(--wp--preset--spacing--40)\">\n<div class=\"wp-block-group oeme-tax-free-section-heading has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-x-large-font-size wp-elements-8ef05b2b7417e736300600e2ab9b0f3e wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:900\">Estacionamiento y Transporte (Beneficios para el Transporte al Trabajo)<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group oeme-tax-free-section-content has-global-padding is-layout-constrained wp-container-core-group-is-layout-92b9201d wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Desplazarse al trabajo tiene un costo: \u00bfpor qu\u00e9 no usar d\u00f3lares antes de impuestos para hacerlo m\u00e1s accesible?<\/p>\n\n\n\n<div class=\"wp-block-group has-border-color has-base-border-color has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:6px;font-size:0px;box-shadow:var(--wp--preset--shadow--natural)\">\n<script src=\"https:\/\/cdn.jsdelivr.net\/npm\/@mux\/mux-player\"><\/script>\n<mux-player\n  playback-id=\"[oeme_benefithub_tax_benefit_parking_emod_id]\"\nposter=\"[oeme_benefithub_tax_benefit_parking_poster]\"\n  metadata-viewer-user-id=\"Placeholder (optional)\"\n><\/mux-player>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-5135c770e6d7d2672e2a25d77983ebe0 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">QU\u00c9 ES:<\/h3>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Los beneficios de Estacionamiento y Transporte te permiten usar deducciones de n\u00f3mina antes de impuestos para pagar gastos de estacionamiento, transporte p\u00fablico y viajes compartidos en van.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-0bf17f5425c7f142e280a29112f574dd wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">L\u00cdMITES DEL IRS PARA 2026<\/h3>\n\n\n\n<ul style=\"padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--30);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);\" class=\"wp-block-list is-style-checkmark-list\">\n<li>Estacionamiento: <strong>$340 por mes<\/strong><\/li>\n\n\n\n<li>Transporte: <strong>$340 por mes<\/strong><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-left has-contrast-color has-text-color has-link-color has-large-font-size wp-elements-bcd93d43d64a0a1ffe470b421b42ac22 wp-container-content-9cfa9a5a\" style=\"padding-top:0;padding-bottom:0;font-style:normal;font-weight:700\">GU\u00cdA DEL IRS:<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-e0082cf6 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\"><a href=\"https:\/\/www.irs.gov\/publications\/p15b\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.irs.gov\/publications\/p15b<\/a><\/p>\n\n\n\n<p class=\"has-text-align-left\" style=\"padding-bottom:var(--wp--preset--spacing--20);font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400\">Los beneficios para el transporte antes de impuestos ayudan a reducir los costos diarios de desplazamiento y a hacer que tu sueldo rinda m\u00e1s.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Account Options Arreglo de Reembolso de Salud (HRA) Apoyo financiado por el empleador para tus gastos de atenci\u00f3n m\u00e9dica. QU\u00c9 ES: Un Arreglo de Reembolso de Salud (HRA) es un beneficio financiado por el empleador que te reembolsa los gastos m\u00e9dicos elegibles. Un HRA es la promesa de tu empleador de pagar. En el video [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":50,"parent":26,"menu_order":16,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-5","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/types\/page"}],"replies":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":4,"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"predecessor-version":[{"id":144,"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/pages\/5\/revisions\/144"}],"up":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/pages\/26"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/media\/50"}],"wp:attachment":[{"href":"https:\/\/myoeme.io\/rafteryconstructionco-es\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}